LINES OF BUSINESS

LONG-TERM CARE

Long Term Care Insurance has been an ever-evolving market place and Bay River Insurance has continued to evolve with the market by offering both traditional LTC plans as well as hybrid plans – included Life, Asset, and Annuity based products.

TRADITIONAL LTC

Pure long-term care protection is still important and the most cost-effective way to provide your clients with LTC coverage and allows for the most flexibility and riders.
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LTC RIDERS

Today’s most popular LTC option allows clients to add LTC riders to their Universal Life or Whole Life policies providing a great solution.
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ASSET BASED LTC

Primarily paid using a single premium Asset based LTC options provide clients with a great way to leverage their money for LTC while providing ROP and Inflation Protection options.

LIVING BENEFITS

Chronic Illness riders built into Term or Perm Living Benefits contracts can be a very cost effective way to provide your clients with a form of LTC coverage.
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OUR SERVICES

Today’s Long-Term Care market provides clients with more options then ever. We specialize finding which products in the market are best – whether that is a Stand-Alone LTC contract or one of our many Hybrid Contracts we can help you navigate the LTC landscape and provide you clients with the best LTC solutions

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